LENDLEDGER

Bridge Loan Lenders

Looking for a bridge loan lender? Start with the property, financing need, and planned exit. Browse potential lenders here, then ask each one whether it funds your location, asset type, and loan size.

Bridge financing can cover an acquisition or transition before a sale, refinance, or stabilization. The loan structure, maturity, and payment schedule depend on the property and lender. A clear exit plan matters because the loan must be repaid or refinanced when due.

Compare written offers using interest, origination charges, other fees, cash required at closing, and extension terms. Ask how the lender values the property and how a lower valuation would change proceeds.

A proposed closing date depends on title, insurance, valuation, underwriting, and funds availability. Request a written timeline and confirm what remains outstanding before relying on it in a purchase contract.

Directory profiles and reviews can help form a shortlist. Confirm the lender business identity, applicable licensing, capital source, and recent references independently. Review the final loan documents against the term sheet before signing.

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Frequently asked questions

What is a bridge loan in real estate?

A bridge loan finances a property or transition until a planned sale, refinance, or stabilization. The lender and borrower should agree on the repayment plan before closing.

How fast can a bridge loan close?

Timelines vary with title, insurance, valuation, lender process, and transaction complexity. Ask for a written closing schedule tied to the requirements that remain.

What credit score is needed for a bridge loan?

Credit criteria vary by lender and product. Ask about the minimum score, cash reserves, experience, collateral, and exit requirements for your deal.

What are typical bridge loan interest rates?

Pricing changes with the market and the transaction. Compare current written offers including interest, origination charges, other fees, and extension costs.

What is re-trading in bridge lending?

Re-trading refers to a material change in proposed loan terms during the process. Ask which conditions remain open and compare the final documents with the written term sheet.

What is the difference between a bridge loan and a hard money loan?

The labels overlap. Compare the actual loan purpose, collateral, underwriting, term, and repayment conditions rather than the marketing name.

What should I check before signing a bridge loan term sheet?

Review amount, collateral valuation, fees, maturity, extensions, prepayment provisions, conditions to fund, and the source of capital. Confirm which terms are binding.

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